FutureBenefits of America

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2 FutureBenefits of America A world class Third Party Administrator (TPA) providing robust and highly customizable 401k investment plans to meet the needs of the investment advisor as well as their participants. About FutureBenefits From installation to ongoing administration, FutureBenefits of America provides hasslefree service for both you and your participants. With offerings ranging from a comprehensive plan installation, top of the line record keeping services including customer support and robust reporting capabilities to annual compliance and discrimination testing, we re offering a complete suite of products tailored just for you. With over 20 years in the business, we bring a history of excellence and success to the table offering you plenty of know how to help you simplify the process. We do what we do best, so you can focus on what you do best. TM Disaster Recovery As many companies have learned the hard way, in a digital age, having a proper disaster recovery plan is paramount in the record keeping industry. At FutureBenefits of America we take this charge seriously, that s why our entrie reporting system is backed up on three different servers every night, with a weekly and monthly offsite back up in 3 different states. With our current disaster recovery tools, in the event of a major disaster, our entire system can be up and running again by the next business day, with some data available immediately. Branding On top of Administration and Documentation, we also offer branding services providing your participants a branded website with your company logo! This is a free service we offer to help create the package deal - linking your participants important plan information to you, the advisor. A complementary demo can be presented online upon request. Quick Facts 86% of all plans have less than $2 Million in plan assets. Not every company can offer world class products and services - What We Offer Administrative Services FutureBenefits of America offers a robust selection of administrative services. From maintenance of your Plan & Trust Documents to an interactive website for participants, we also offer toll-free customer service for sponsors and participants, contribution/data submission support, processing and allocating plan contributions, quarterly participant statements including quarterly employer plan account statements, annual summary reports, unlimited daily transfers, portfolio re-balancing, loan modeling, as well as on demand as of current day reporting or year-to-date. IRS Reporting Documentation FutureBenefits of America eases your workload by providing all proper documentation required by the IRS to serve your participants needs. Distributions, Mergers, Excise Tax, 5300, 5303, Schedule Q - whatever the need may be, we ve got you covered. Then there s FutureBenefits of America. TM Plan Installation FutureBenefits of America s one time installation charge covers what you need to get your plan up and running. This fee includes the preparation or establishment of the following: Plan & Trust Documents with sample Board of Directors Resolution, Summary Plan Description, Application to the IRS for a Determination Letter for plan qualification if requested, Set-up of plan and participant records in our recordkeeping system, and Contribution data submission procedures. Record Keeping FutureBenefits of America provides the services you need, while ensuring that your plan complies with applicable IRS, DOL and ERISA regulations. Your annual charge for record keeping and compliance services includes: Annual Reporting of allocation, Administrative forms, Payroll collection, Vesting, and Benefit Calculations (termination, hardship, loan). Available Funds Make the switch today! In place are access to over 400 fund families covering over 20,000 fund families. ETF are also traded daily. A sample of who we trade is listed below: AIM Alger American Alliance American Cent. Baron Calamos Calvert Colonial Davis Delaware Dodge and Cox Dreyfus Eaton Enterprise Federated Fidelity First Investors Founders Franklin Temp. Gabelli Goldman Harris ishares Janus Kaufmann Kemper Keystone Key Lazard Lexington Loomis Sayles Mainstay Managers MFS Munder Neuberger Berman New England Nicholas Applegate Oppenheimer Parkstone Phoenix Pioneer Putnam PowerShares Russell SPDR State Street Research Strong The One Group T. Rowe UST Van Kampen Vanguard Vista and more!

3 Exchange Traded Funds FutureBenefits of America combines the best of all worlds: diversified investment options, fiduciary solutions, and fully disclosed fees. Fiduciary Solutions A plan sponsor can appoint an investment Manager, as defined in ERISA section 3(38). This investment Manager is solely responsible for prudently selecting and monitoring the investment options offered in a retirement plan. This process allows for the legal transfer of personal risk from the Plan Sponsor to the ERISA 3(38) investment Manager. The Program offers options utilizing a professional money manager, which is available on our platform, for a nominal fee, whereby the Plan Sponsor can legally transfer the personal risk associated with being a Plan investment Fiduciary to an independent investment adviser that is called an ERISA 3(38) investment Manager. The ERISA 3(38) investment Manager will then have legal responsibility to select and monitor the investment options and models made available to the Plan. What about unitized funds? Collective and unitized funds are created using the underlying ETF as well as a cash vehicle to provide daily liquidity and reduce the cost of trading. Administrative and audit fees are then charged against this fund, while commissions and trading fees are netted out of trades. The combination of liquidity drag, expenses, and trading fees can cause the fund performance to substantially deviate from the actual performance of the ETF. The process of owning shares gives the retirement plan participant the same benefits of ready liquidity and reduced costs without the performance lag. Quick Facts 1. US Census Bureau estimates there are 15 million self employed individuals as of 2002 census. 2. Nearly 600,000 new small businesses are established each year, according to the US Small Business Administration 3. DOL states only 44% of small employers sponsor a retirement plan 4. Less than 50% of employers with less than 100 employees sponsor a 401k ( DOL 2005) 5. 50% of small business owners who sponsor plans said it had a major impact on hiring and retaining employees (DOL 2005) Built on customer satisfaction and keeping our promises - Investment Options What ETF s are available? Currently, all ETFs that are tradable through the NSCC are available. This includes ishares, Vanguard, SPDR, and PowerShares. Why use ETF s instead of Mutual funds? ETFs make an advisors life easier. Count the number of times you, the advisor, removed mutual funds due to Investment Policy Statement (IPS) violations such as style drift, mutual fund trading scandals, operating expense increases, fund manager changes, poor performance vs. the benchmark (an index), shortterm trading fees, and finally, hidden SubTA or SSA fees. Can I develop an internal model? Yes. Specific strategies may be implemented. You can create models that use all ETFs or even models containing a mix of ETFs and mutual funds. Quick Fact We believe words still mean something. Under current Labor Department rules, if the investment Adviser representative (IAR) is also acting as a fiduciary to the plan, he or she cannot encourage a plan participant to roll over assets with the IAR. This is because the rollover would be technically considered a prohibited transaction. It is recommended that the plan sponsor outsource the investment selection process to an independent third party, namely an ERISA 3(38) investment manager. This will free up the IAR to do what they do best. Concentrate on non-fiduciary services such as: rollovers, enrollment meetings, plan design, and managing the retirement plan relationship. FutureBenefits of America Multiple Employer Plans (MEP) FutureBenefits of America is a Multiple Employer Plan (MEP) provider aiming to deliver cost effective retirement solutions for small plans using the economies of scale created by leveraging multiple unrelated employers under one custodial account. A growing market trend, FutureBenefits of America has been successfully offering record keeping and administrative services for Multiple Employer Plans (MEP (not to be confused with multiemployer plans )) for over 10 years now. A MEP is a structure which enables UN- RELATED plan sponsors to participate under ONE qualified plan trust to achieve the economies of scale and subsequent cost savings, benefit enhancements and fiduciary consulting typically realized only by larger plans. An MEP has one Trust, One Custodian, One Investment Menu, One Master Plan for Multiple Unrelated Plan Sponsors with Multiple Plan designs. This results in reduced implementation fees, reduced documentation fees, simplifies plan adoption via the Participant Agreement, realization of decelerating asset based fees, and more. Managing a MEP can be a difficult and complex process for a TPA, but for us, it s just another service we re proud to do well while offering you competitive services and pricing.

4 An Open Architecture Environment At FutureBenefits of America, we are totally independent when it comes to investment selection. We have no direct alliances with any fund family so we can offer over 20,000 funds for you to freely choose from. In today s economy, how do you plan to stay competitive? Is it through working with companies that only have a handle full of predesigned plans that may or may not be appealing to your clients? What about undisclosed or hidden fees? At FutureBenefits of America we leverage the flexibility to build a plan with the plan sponsor in mind, increasing your revenues and sales conversions. Providing services that help you do what you do best as efficiently as possible is what we do best. We do this by keeping our fees low and keeping the availability of options high while offering a unique, one of a kind customer service experience. We always fully disclose all associated fees with any service we provide on the front end - that means no surprises for you, and continued sustainable affordability for the plan sponsor. From installation to ongoing administration, FutureBenefits of America really does cover it all - so you don t have too. In addition to providing multiple options and flexibility in our platform, I hope that people see we try to do things the right way...like they were when a handshake was as good as a contract. -Tony Michael, President Lose the cookie cutter - let us help you design plans that sale. Enjoy the freedom of, well... freedom. FutureBenefits of America Contact Us Today! Toll-Free: 1-(888) President: Tony Michael, CRPS Mailing: Highway 70 STE 201, Arlington, TN

5 2011 FutureBenefits of America. All Rights Reserved. Toll-Free: (888) Highway 70 STE 201, Arlington, TN